Macy’s Credit Card Review: Should You Sign Up?

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Macy’s Credit Card Review: Should You Sign Up?

Macy’s is an American department store giant specializing in retail operations. Its products range from clothing and apparel to bedding, furniture, jewelry, and beauty products among other things. Macy’s credit card is just one of the many value-added benefits it provides among others like Macy’s American Express card.

Founded in 1858 by Rowland Hussey Macy in New York, Macy’s was originally known as R. H. Macy & Co. The is currently headquartered in Cincinnati, Ohio and is present in over 584 locations with 680 department stores and 190 specialty stores. Currently, Macy’s has over 130,000 employees and generated a revenue of $25.739 billion in 2018.

Macy’s is currently ranked at 118 on the Fortune 500 list for the corporations with the largest revenue in the US.

Macy’s Credit Card Overview

Macy’s credit card issuer is Department Stores National Bank (DSNB). It is made to help Macy’s frequent shoppers accumulate rewards. are the highlights of this card:

Types of Credit Cards

Macy’s doesn’t have a complicated credit card application, however, you do need to choose between two types of cards:

  • The normal Macy’s card is like any retail credit card that can be used to purchase anything from any Macy’s store.
  • Macy’s American Express credit card is also a rewards card that can be used at any place that accepts AMEX payments. This card also has other added benefits.

Both cards have no annual fee and have rewards based on your buying activity. Your buying activity determines what level of customer you are; Preferred, Elite, or Premier Elite.

Tiers and Rewards

The tier and rewards system at Macy’s works similar to others; the more you spend at Macy’s official stores, the better rewards you get. And your tier improves as well. is a breakdown of the different tiers and their subsequent rewards.

Preferred Cardholders

This card is for people who spend between $1 and $499 per year.

  • You get unique surprise savings offers at the counter.
  • You get a total of three Macy’s Star Pass mailings every year.
  • You get sharing awards where you receive 10% rewards on all eligible purchases. However, you will need to enroll in this program at $25 per year.

Plenti members tend to earn one point for every dollar spent at Macy’s.

Elite Cardholders

This card is for people who spend between $500 to $1,199 in a calendar year.

  • You get unique surprise savings offers at the counter.
  • You get a total of six Macy’s Star Pass mailings every year.
  • You get sharing awards where you receive 10% rewards on all eligible purchases. However, you will need to enroll in this program at $25 per year.
  • You get a ‘Happy Birthday’ offer where you get a birthday surprise, such as a random reward on your birthday.

Plenti members tend to earn one point for every one dollar spent at Macy’s.

Premium Elite Cardholders

This card is for people who spend $2,000 or more per year. This card offers the most benefits.

  • You get unique surprise savings offers at the counter.
  • You get a total of 12 Macy’s Star Pass mailings every year.
  • You get sharing awards where you receive 10% rewards on all eligible purchases. However, you will need to enroll in this program at $25 per year.
  • You get a ‘Happy Birthday’ offer where you get a random reward on your birthday.
  • You receive free shipping offers 4 times per year.
  • You gain access to the priority 800 customer line.

Plenti members tend to earn one point for every one dollar spent at Macy’s.

Macy’s American Express Credit Card Benefits

If you have opted for Macy’s American Express credit card, you can get the following additional perks regardless of your tier:

  • You get 1 point for every dollar spent on Macy’s purchases and other AMEX-supported purchases.
  • You get 2 points for every dollar spent at supermarkets and gas stations.
  • You get 3 points for every dollar spent in .
  • You get exclusive deals on car rentals, cruises, hotels, flights, and vacation packages.
  • You get discounts on shopping and dining out at Macy’s partner merchants.

The points mentioned are Plenti points which can be converted at 1000 points for $10. Or you can redeem the points to get other rewards. All cardholders are automatically enrolled in the ‘s loyalty program, the Star Rewards program. And you can enjoy your star money rewards by using Star Money on any merchandise you like at Macy’s, Macy’s Backstage, and macys.com. Star members can check their Star money progress and status through Macy’s mobile app.

Additionally, having a store credit card allows you to make purchases online with a much simpler checkout.

How to Apply for a Macy’s Credit Card

If you want to apply for Macy’s credit card account, you can do so on either through the website (macys.com) or you can visit the store to get a new card.

When you are submitting your application online, you will essentially be applying for both Macy’s credit card and the American Express version. You can then choose any one of the cards, provided you get approved for both.

Keep in mind that if you have a bad credit history, you will most likely be approved for only Macy’s credit card.

Upgrading to Macy’s American Express Card

If you only have Macy’s credit card, you can upgrade to Macy’s American Express Card, which is their platinum card. To become a Platinum member you will have to call Macy’s credit card customer and apply for an upgrade. This will then prompt an inquiry on your credit reports.

If you’ve been using this card for a while and have a good credit score, you may be contacted to upgrade your card directly. It will be up to you whether you want to upgrade or not.

According to the , when you upgrade, your entire account history and information will be carried over. Any login details and payment information will also be automatically transferred over so if you had AutoPay on, it will remain on once you upgrade.

My Macy’s Credit Card Login

Since you can apply for this card online, you use Macy’s credit card login to access your account online or on their app.

It will show you all your historical purchases and any pending ones too. It also shows any outstanding payments or late payments you may have.

You can also check out your rewards and any discounts you may have received.

How to Make Your Macy’s Credit Card Payment

You can make your credit card bill payment in five different ways.

Online

To make your payment online:

  1. Use your Macy’s credit card login to access your account.
  2. When you hover over the My Account button, you will see the Macy’s Credit Card or Macy’s American Express Card option. Choose the one you have.
  3. Select the Make a Payment button when you’re ready.
  4. Enter your bank details if you haven’t already.
  5. Submit your payment.

Repeat the same for every month.

Macy’s does not accept other credit cards or gift cards as payment for a Macy’s credit card.

AutoPay

AutoPay is for people who don’t want to repeat the entire payment process every month. AutoPay automatically deducts the payment from your bank account. This also helps avoid any issues with the payment processing that may incur late fees or residual interest.

If you want to opt for AutoPay, you need to repeat the first two steps from the online option and clock on the Enroll in AutoPay button. You then put in your bank account information which includes your bank account  and the bank’s routing and you’ll be set.

In-Store

You can make your card payment in full at any Macy’s department or specialty store. You can do so using cash, debit card, and even a check.

Phone

You can also make the payment through the phone by calling Macy’s credit card customer numbers.

Mail

You can also pay by mail by sending cash, a check, or a deposit slip at the mailing address on this page.

Macy’s Credit Card Customer Service

Macy’s credit card customer service is available in different forms. The automated customer service is available online 24/7 but if you want a one on one customer service experience, you need to go at select hours. You can find the timings of your Macy’s on their website.

If you want to call customer support, you can do so at the (1-888-257-6757) from Monday to Saturday from 9 am to 9 pm EST.

You can also receive Macy’s credit card customer on Sunday from 11 am to 8 pm EST at the following (1-800-281-0820).

Keep in mind that Macy’s values employee feedback and customer feedback so you can also provide feedback by calling them.

Macy’s Credit Card Review

This card has its positives and negatives like all -based credit cards. are the most noteworthy pros and cons.

Macy’s Credit Card Pros

The following are some points that set this card apart:

  • Relaxed Credit Qualification: Considering that Macy’s credit card is only store-based, it is much easier to qualify for it compared to a traditional credit card.
  • Cardholder Discounts: When you get your card, you will receive a 20% discount on all Macy’s purchases for two days. Moreover, you only need to spend a dollar to achieve silver status and receive the benefits that come with it.
  • Increasing Rewards: The more you spend, the better the tier you are in which means you receive better rewards.
  • No Annual Fee: Both of Macy’s credit cards have no annual fees or any hidden fees.
  • Thanks for Sharing Rewards: If you’re a cardholder, you can enroll in this program at $25 per year and receive a 10% rewards bonus on every Macy’s purchase.
  • Registry Star Rewards: You can enroll in this program if you’re getting married which then gives you a 10% rewards bonus on all Macy’s purchases until your plus an additional 5% rewards bonus on the total value of all your Macy’s purchases during that time.

You can use this card to take out cash from ATMs, however, it is not advised since the fee is very high. This ruins the employee experience of Macy’s employees because they receive the card as part of their employee benefits.

Macy’s Credit Card Cons

The following are some points why Macy’s credit card may not be a suitable first choice:

  • Rewards Brackets Are High: To qualify for higher tiers and better rewards, you need to spend a lot of money. For example, to get the bulk of the rewards, you need to spend at least $1,200.
  • Limited Rewards Program: Macy’s credit card is a store card which means any discounts and rewards you receive will have to be redeemed at Macy’s or with Macy’s purchases.
  • High APR: The annual percentage rate charged for purchases is 26.99% which is ridiculously high as compared to regular APR, which means any rewards you receive will be outweighed by the heavy interest rates.

While the cons may seem harsh, the pros still outweigh the cons. Some companies have even offered this card as part of their flexible benefits plans.

Who is Macy’s Credit Card Best for?

Macy’s credit card is for people who tend to buy at Macy’s at least three to four times per year. With the basic card, you won’t receive too many rewards but the discounts will make up for that.

With the Thanks for Sharing Program and the Registry Star Rewards, you can essentially reduce the cost of settling in and marriage costs.

As long as you’re able to make Macy’s credit card payments, the card may be a good option for you.

Macy’s Credit Card APR

The annual percentage rate (APR) charged for purchases is 26.99%. Most store cards have a high APR, but 26.99% is above the average.

Minimum Credit Score Necessary

The minimum credit score required depends on which card you want to get. For Macy’s Amex, you need good or excellent credit, which means 700 or higher. For Macy’s store card, you can get away with a credit score of around 640.

Other Credit Card Alternatives

If you’re a casual buyer at Macy’s, you can compare it with the following competitors to get a better idea of their .

  1. Chase Freedom: You can get a $150 bonus after spending just $500 in your first three months. There is also zero APR for the first 15 months and a variable APR of 16.74 – 25.49% after that. However, there is a 3% balance transfer fee in the first 60 days and you have to transfer a minimum of $5.
  2. Discover It: All the cashback earned in the first year will be matched by the . The card gives you 5% cashback on all bonus categories which are subject to change while there is a 1% cashback offer on all other purchases.
  3. Capital One: This card gives you 1.5% cashback on all your purchases. If you make 5 consecutive payments on time and in full, you can receive a higher credit line. However, there is an annual fee of $39.

Other stores such as TJ MaxxJC PenneyTargetCostco, and Lowe’s also offer similar cards. It is always a good idea to compare rates and benefits before making a final decision.

Is Macy’s Credit Card Right for You?

At the end of the day, it depends on how much you shop at Macy’s. If you’re a Macy’s fan, that means you make a lot of purchases from them throughout the year which means it’s best to have Macy’s credit card and rack up some rewards and discounts in the process.

Getting the AMEX version of the card opens up new opportunities for rewards and discounts as you can use the card more freely while also earning you Plenti points.

However, if you’re just a casual Macy’s shopper, then getting the card may just be overkill for you. Although, it only helps in case you decide to shop there.

You may also be an employer looking to just boost employee morale by giving the card to their employees.

All in all, it all depends on your frequency of purchases from Macy’s.